Equity Profile

NU

Nu Holdings Ltd.

FinancialsDiversified Banks$66.0B

Aug13Thu

Pre-Earnings Brief

UpcomingQ4-2025After Close5:00 PM EDT

Company Snapshot

Nu Holdings Ltd. is a financial services company operating in the diversified banking sector....

Key Metrics to Watch

Earnings Per Share (EPS)

EPS is a key indicator of the company's profitability and financial health, which investors closely monitor.

$0.21

Revenue

Revenue growth reflects the company's ability to attract and retain customers, crucial for its expansion strategy.

$5.1B

Wall Street expectations, options signals, track record, and call prep available with Pro.

NU Q4-2025 Earnings Preview

Context

Company Snapshot

Nu Holdings Ltd. is a financial services company operating in the diversified banking sector. It focuses on providing innovative banking solutions in Latin America, catering to a growing customer base that values digital and accessible financial services.

Earnings Scorecard·Last 8Q

EPS Beat Streak

EPS Beat Rate

63%

Avg EPS Surprise

-7.64%

Avg Stock Reaction

-0.90%

Last Quarter Recap

In Q3-2025, Nu Holdings reported an EPS of $0.16, exceeding estimates slightly. However, the stock fell by 3.65% the following day, indicating mixed investor sentiment.

Management Promises & Guidance

Expectations

Wall Street Expectations

Analysts expect Nu Holdings to report steady growth in EPS and revenue, reflecting its ongoing expansion efforts. The market is keen to see if the company can meet or exceed these expectations.

Bull Case

If Nu Holdings delivers better-than-expected EPS and revenue, it could signal strong customer growth and effective cost management, boosting investor confidence.

Bear Case

Conversely, if the company misses its targets, it may raise concerns about its growth trajectory and ability to compete in the rapidly evolving financial services market.

Key Metrics to Watch

Earnings Per Share (EPS)

$0.21

EPS is a key indicator of the company's profitability and financial health, which investors closely monitor.

Revenue

$5.1B

Revenue growth reflects the company's ability to attract and retain customers, crucial for its expansion strategy.

Expectations

Two Questions That Matter

The print will turn on these two things.

Will the EPS exceed $0.21, indicating strong profitability?

A beat on EPS would suggest effective cost management and strong customer retention, which are critical for growth.

Can revenue reach or surpass $5.1B?

Meeting or exceeding revenue expectations will demonstrate the company's ability to grow its customer base and market share.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may underestimate Nu's ability to leverage its digital banking platform to drive customer growth, especially in emerging markets.

Supporting Evidence

Recent trends indicate a growing demand for digital banking solutions in Latin America, which Nu is well-positioned to capitalize on.

The company's previous EPS surprises suggest a potential for stronger performance than analysts expect.

Key Risk

If the revenue growth significantly lags behind expectations, it could challenge the overall bullish sentiment.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

This quarter's performance will be critical in assessing Nu Holdings' ability to sustain its growth trajectory in a competitive market.

Bull Confirmed If

EPS above $0.21 and revenue exceeding $5.1B would confirm strong growth potential.

Bear Confirmed If

An EPS below $0.20 or revenue below $4.9B would raise concerns about the company's growth strategy.

Pre-Earnings Positioning

Options Market

Implied Move

±3.98%

Historical Avg

±3.3%

Pricing rich

The options market is pricing in a nearly 4% move in either direction, suggesting that investors expect some volatility around the earnings announcement.

Options are pricing ±4.0% while NU has averaged ±3.3% over the last 8 prints — setup is pricing rich.

Detail

ATM IV

0.4%

30d HV

34.9%

Calls (3.2M)P/C Ratio: 0.68Puts (551K)

Edge

Institutional Ownership

Smart-money positioning from the most recent 13F filings.

Mixed flows

Institutional

85.67%

of float

Insider

5.61%

of float

Holders

1,316

institutions

Top Holders· as of Dec 2025

Blackrock Inc.
301,547,669 sh · $4.4B
7.87%
4.2%

Preparation

Post-Print Playbook

Likely market behavior by outcome — not investment advice.

Beat & Raise

If Nu beats expectations, history suggests the stock could see a modest decline of around 1.63% on the first day, but this would confirm strong operational performance.

In-Line / Cautious

If results are in line with expectations, the stock may react cautiously, reflecting uncertainty about future growth.

Miss

A miss could lead to a slight uptick in stock price, as history indicates an average move of +0.31% when expectations are not met.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on customer acquisition rates and strategies.
2Insights into cost management and operational efficiencies.
3Discussion on competitive pressures in the digital banking space.
4Any commentary on expansion plans into new markets.
5Updates on regulatory impacts in key operating regions.

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Company Snapshot

Nu Holdings Ltd. is a financial services company operating in the diversified banking sector....

Key Metrics to Watch

Earnings Per Share (EPS)

EPS is a key indicator of the company's profitability and financial health, which investors closely monitor.

$0.21

Revenue

Revenue growth reflects the company's ability to attract and retain customers, crucial for its expansion strategy.

$5.1B

Wall Street expectations, options signals, track record, and call prep available with Pro.

NU Q4-2025 Earnings Preview

Context

Company Snapshot

Earnings Scorecard·Last 8Q

EPS Beat Streak

EPS Beat Rate

63%

Avg EPS Surprise

-7.64%

Avg Stock Reaction

-0.90%

Last Quarter Recap

In Q3-2025, Nu Holdings reported an EPS of $0.16, exceeding estimates slightly. However, the stock fell by 3.65% the following day, indicating mixed investor sentiment.

Management Promises & Guidance

Expectations

Wall Street Expectations

Analysts expect Nu Holdings to report steady growth in EPS and revenue, reflecting its ongoing expansion efforts. The market is keen to see if the company can meet or exceed these expectations.

Bull Case

If Nu Holdings delivers better-than-expected EPS and revenue, it could signal strong customer growth and effective cost management, boosting investor confidence.

Bear Case

Conversely, if the company misses its targets, it may raise concerns about its growth trajectory and ability to compete in the rapidly evolving financial services market.

Key Metrics to Watch

Earnings Per Share (EPS)

$0.21

EPS is a key indicator of the company's profitability and financial health, which investors closely monitor.

Revenue

$5.1B

Revenue growth reflects the company's ability to attract and retain customers, crucial for its expansion strategy.

Expectations

Two Questions That Matter

The print will turn on these two things.

Will the EPS exceed $0.21, indicating strong profitability?

A beat on EPS would suggest effective cost management and strong customer retention, which are critical for growth.

Can revenue reach or surpass $5.1B?

Meeting or exceeding revenue expectations will demonstrate the company's ability to grow its customer base and market share.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may underestimate Nu's ability to leverage its digital banking platform to drive customer growth, especially in emerging markets.

Supporting Evidence

Recent trends indicate a growing demand for digital banking solutions in Latin America, which Nu is well-positioned to capitalize on.

The company's previous EPS surprises suggest a potential for stronger performance than analysts expect.

Key Risk

If the revenue growth significantly lags behind expectations, it could challenge the overall bullish sentiment.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

This quarter's performance will be critical in assessing Nu Holdings' ability to sustain its growth trajectory in a competitive market.

Bull Confirmed If

EPS above $0.21 and revenue exceeding $5.1B would confirm strong growth potential.

Bear Confirmed If

An EPS below $0.20 or revenue below $4.9B would raise concerns about the company's growth strategy.

Pre-Earnings Positioning

Options Market

Implied Move

±3.98%

Historical Avg

±3.3%

Pricing rich

The options market is pricing in a nearly 4% move in either direction, suggesting that investors expect some volatility around the earnings announcement.

Options are pricing ±4.0% while NU has averaged ±3.3% over the last 8 prints — setup is pricing rich.

Detail

ATM IV

0.4%

30d HV

34.9%

Calls (3.2M)P/C Ratio: 0.68Puts (551K)

Edge

Institutional Ownership

Smart-money positioning from the most recent 13F filings.

Mixed flows

Institutional

85.67%

of float

Insider

5.61%

of float

Holders

1,316

institutions

Top Holders· as of Dec 2025

Blackrock Inc.
301,547,669 sh · $4.4B
7.87%
4.2%

Preparation

Post-Print Playbook

Likely market behavior by outcome — not investment advice.

Beat & Raise

If Nu beats expectations, history suggests the stock could see a modest decline of around 1.63% on the first day, but this would confirm strong operational performance.

In-Line / Cautious

If results are in line with expectations, the stock may react cautiously, reflecting uncertainty about future growth.

Miss

A miss could lead to a slight uptick in stock price, as history indicates an average move of +0.31% when expectations are not met.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on customer acquisition rates and strategies.
2Insights into cost management and operational efficiencies.
3Discussion on competitive pressures in the digital banking space.
4Any commentary on expansion plans into new markets.
5Updates on regulatory impacts in key operating regions.